Insurance in general

Financial information 

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Insurance in general

Does the beneficiary of a policy have to be a member of the family?

No. The beneficiary may be a family member but he may also be the person who lives with you in a relationship as husband and wife, your girlfriend or boyfriend, etc.
It is for you to decide.
Nevertheless, if you have heirs and you decide to appoint another person as beneficiary of the policy, you must take care not to create an imbalance in your assets by bequeathing them to him only. In case of an infringement of the forced heirship, that is to say the part of the inheritance that is rightfully theirs, the heirs could take the case to court to claim their due.
Likewise, a certain degree of discretion is recommended and it is sometimes better not to disclose the existence of the policy to one's beneficiary/beneficiaries.
In fact, the latter only have to write to the insurer stating that they are the accepting beneficiary and you will no longer be able to amend your selection or make withdrawals on this policy without the agreement of the beneficiary/beneficiaries in question.

Financial information

What are the advantages offered by an investment in a unit trust?

The advantages that investors benefit from, as compared to any individual management of their assets, are as follows:
1) the involvement of professionals (portfolio managers, financial analysts, …)
2) cost-distribution (owing to the sums managed)
3) broader diversification
4) a price that is fixed depending on how the assets are made up

The return of a fund is measured by the calculation of the value of a share of this fund. This value is called Net book value per share (NBV).
Assets (all the fund's assets)
- Current liabilities (all the debts due for payment)
= Net assets at (or net book value)
The NBV (or net asset value) will be equal to the net asset divided by the number of shares in circulation.